How to Choose a Health Insurance Plan (2027 Open Enrollment)

Choosing a health insurance plan at work? In this 2027 open enrollment guide, I break down exactly how to pick the right plan, with real math, plain English, and no jargon. After over a decade working in health insurance, I've taken thousands of calls from people who picked the wrong plan and paid for it. In this video, you'll learn the five words that explain every plan, how HMO, PPO, EPO, and HDHP plans really work, how to calculate the true cost of a plan, and the 7-step checklist to run before you click anything. CHAPTERS 0:00 Don't pick the wrong plan 0:41 What open enrollment is 1:30 Why the cheapest plan isn't always cheapest 2:39 The 5 words you need to know 4:49 HMO vs PPO vs EPO vs HDHP 7:06 The math: which plan wins? 10:12 HSA vs FSA in 90 seconds 11:52 The open enrollment checklist 13:12 What happened to Marcus 2027 IRS FIGURES MENTIONED HSA contribution limit: $4,500 (self-only), $9,000 (family), plus $1,000 catch-up if you're 55 or older HDHP minimum deductible: $1,750 (self-only), $3,500 (family) 2027 health FSA limit: not announced yet at the time of this video. I'll update this description when it's out. All plan prices and medical costs in this video are made-up examples to show how the math works. Your plan's numbers will be different. This video is for general education only and isn't personal financial, legal, or medical advice. Always check your plan documents or HR for your specific situation. Health Insurance Decoded: Know your coverage. Keep your money. #OpenEnrollment #HealthInsurance #HSA